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Do I need commercial insurance to deliver pizza?



Sidhustle is a reality for many Americans who want to raise their income. When it comes to sidhustles, pizza delivery or fast food delivery is a popular choice for many job seekers who do not have the skills, college education or experience to match other jobs offered.

As a restaurant or fast food owner, it is unlikely that you will ever have a shortage of delivery drivers. But hiring drivers for pizza delivery is not without risk. Traffic accidents and robberies are a reality that cannot be ignored. And the responsibility for reducing these risks falls at least in part on you as an entrepreneur.

Why Your Drivers' Own Insurance Will Not Do

Although it is likely that delivery drivers have insured their vehicles, personal car insurance only applies to personal use. If a delivery driver tries to claim an accident that occurred during the work, they should not be surprised if it is denied.

Personal car insurance does not cover the use of passenger cars to make money by delivering products or transporting passengers.

Choosing the right insurance for your delivery drivers

The right type of insurance is crucial to protect employees from financial damage and personal injury when deliveries are made.

Depending on your circumstances, you should choose insurance for non-owned car, commercial insurance or pizza delivery.

When researching your options, look for insurances that cover at least the following:

  • Damage to vehicles,
  • Guaranteed medical treatment to all parties involved,
  • Legal fees,
  • Liability for damage caused by another person and,
  • Protection for drivers who are underinsured or uninsured.

Non-car insurance

Non-car insurance is designed to cover the temporary use of passenger cars for business purposes.

Commercial Car Insurance

You will still need commercial car insurance, which offers coverage for all company owned cars. Commercial car insurance also covers personally owned vehicles if they are primarily used for work purposes.

Pizza Delivery Insurance

Pizza Delivery Insurance is a type of insurance that is designed to offer protection specifically to pizza and food delivery drivers and their vehicles.

How much does commercial car insurance cost?

The cost of insuring delivery drivers and / or their vehicles may vary based on a number of factors, for example:

  • History of past injuries,
  • Driver record,
  • Purchase value of vehicles, [1
    9659011] Vehicle weight, [19659011] Make, model and year of the car, motorcycle or scooter,
  • Intended use of the vehicle and the risk thereof,
  • Number of vehicles to be insured,
  • Place of business,
  • Miles driven and, [19659011] How many employees will drive non-owned vehicles

Paradiso Insurance protects your drivers and your company

It is absolutely necessary to protect your company against any liability as well as protect employees who make deliveries by buying the right type of insurance .

If your driver uses his own vehicle for deliveries, you need a non-owner car insurance. While commercial car insurance is necessary where employees will use the company's vehicles for deliveries.

If you would like to discuss insurance options for your delivery staff and vehicles or if you have any questions, please contact us and a member of our team will contact you as soon as possible.

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